Tax jaro danta mortgage. canshuurta hantida jaro

Maanta, ma muwaadin kasta ka heli kartaa qadar ku filan oo lacag la heli karo si ay u iibsadaan guri dabaq ah. Badan waxay leeyihiin si ay u isticmaalaan amaahda. daymaha Beegsado xaq u leedahay in aad sheegato ka jaro canshuurta danta mortgage, ay shardi tahay in waraaqaha waxaa lagu soo saaro dalka reer Ruushka.

fikradda

Hantida jaro - lacagta ku siinaya fursad ay ku badbaadin on deynta. Marka uu qof soo iibsataa guri, uu ka soo heerka miisaaniyadda bixisay shakhsi canshuurta dakhliga ee 13% ku noqon karto. Lacagta ugu badan waxaa ku koobnayn 2 million rubles. Haddii gurigu waa qaali, ka dibna waxaad ka heli kartaa gobolka rug oo kaliya 2,000 x 0.13 = 260 kun.. Oo kuwa aan si buuxda u dhaliyay lacagtaas 2014 ogol yahay dopoluchit ka guri kale. In heysata mortgage sidoo kale xaq u leedahay inaad hesho magdhow in cadadka 390 rug kun.. (13% ka mid ah rug 3000 thous..) Iyada oo xiiso bixisay.

magdhow ah Terms

Payment oo keliya waxaa laga heli karaa heshiis amaah ah la doonayo. Taasi waa heshiiska la bangiga waa in loo cayimay in lacagtaas la siiyay talagalay in lagu iibsado ama dhismaha guryaha ee Russia. Deduction ka kharashyada oo keliya waxaa laga heli karaa iyadoo hantida la mid ah, kaas oo lagu qurxiyey ugu weyn, haddii heshiis la sameeyey ilaa 2014. Funds waa in la qaatay ujeeddooyinkan. Interest jaro waxaa mar dambe ku lifaaqan asaasiga ah, waxaa lagu saleyn karaa guryaha kale.

sharciga

Ilaa 2013 jaro canshuurta hantida for mortgage wuxuu u oggolaaday in lacagta la siiyo xaddiga dulsaarka. Tan iyo 2014-beddelka Xeerka, taas oo la soo bandhigay by xayiraad in lacagta magdhowga ilaa saddex milyan oo rubles xawilaada, kaas oo soo gabagabeeyay ka dib 2013. deductibility ee dulsaarka amaahda waxaa laga heli karaa in lagu daro jirka ugu weyn ee amaahda. Waxaa sidoo kale ku koobnayn cadadka 2 million rubles.

Gudigga

Waxaa soo baxday in dadka jeclaan waa gunno ah. Laakiinse iyagu waxay ka faa'iidaystaan iyaga ka mid ah ma awooddo, sababta oo laga jaro canshuurta dulsaarka waa mid xaddidan. isbedel-dejinta waxaa loogu talagalay si loo saxo deficiency this. magdhow dopoluchit macquul - waa dhab ahaan wanaagsan. Laakiin su'aashu waxay tahay, imisa dhabta ah celcelis ahaan Ruush iibsan kartaa guri naftooda? Dawladda ayaa rajaynaysa in heerarka mustaqbalka dhow on amaahda da'a doonaa in 12-13%, taas oo si wadajir ah ula abuurnimo dardar gelin doonaa baahida loo qabo suuqa hantida maguurtada ah.

jaro canshuurta (mortgage): liiska dokumentiyada

Tan iyo markii warqadda lahaanshaha ayaa la isugu iyagoo Adeeci ugu horeysay ee lagu dhawaaqo, waxaa lagama maarmaan ah si ay u ururiyaan iyo in la siiyo magdhow diiwaan gelinta:

• Baaqa 3-god,
• Nuqul ka mid ah baasaboorka,
• shahaadada dakhliga 2-god,
• codsiga magdhowga;
• heshiiska amaahda,
• raciidyada lacagta, ama laga soosaaray ka soo xisaabta;
• jadwalka lacag bixinta;
• shahaado hay'ad credit dhab bixiyo boqolkiiba.

Tani set dukumentiyada waa in la kala qaado si ay cashuurta ku saabsan joogitaanka.

hantida Joint

Haddii aqalka la helay by dhowr ah milkiilayaasha ilaa dhamaadka 2013, markii gudbinta ugu horeysay Bayaanka soo saaray war qoraal ah oo qoondaynta of jaro dhexdooda oo dhan milkiilayaasha. ratio oo kale waxa lagu qaybiyey magdhow ah maamulaha iyo danta. Waayo, xawaalad toogasho ah ka dib markii 2014, war noocan oo kale ah waa la cusboonaysiiyaa sanad walba.

share in hantida

Samaynta jaro canshuurta on daynta bilaabmayaa sanadka marka inta kale ee gunnada la helay doonaa caddadka maamulaha. Hadda ka qabtay arrinta waa wax aan waxba tarayn. In the case of jajab jaro hantida lahaanshaha waxaa lagu qaybiyey ratio la mid ah sida ku qeexan ee shahaadada lahaanshaha.

Sidee si aad u hesho soo celiyo ee laga jaro canshuurta on mortgage ah?

boqolkiiba Payment waxa lagu saleeyaa ku xaddiyada dhabta ah bixiyo. Sidaa darteed, waa in aan shahaadada bangiga sanad kasta, kaas oo la rinjiyeeyay nidaamka of bixinta deynta. Iyada oo ku saleysan this, bayaanka waxaa lagu sameeyey 3-god.

qadarka of magdhow

Waayo, walxaha helay by dhamaadka 2013, jaro waxaa la soo saari karaa qadarka buuxa ee kharashka. On xawaalad galay 2014, ku xiran sharciyo kala duwan. Haddii bixinta kharashka xiiso muddada heshiiska oo dhan kama badna 3 million rubles., Markaas ka heli jaro canshuurta on daynta noqon kartaa lacagta oo dhan. Haddii kale magdhow kaliya ku xusan 300 kun. Xoq. Haddii amaah ka badan qiimaha guriga, ka dibna soo celiyo waxaa loo xisaabin doonaa oo ku salaysan boqolkiiba ee kharashka gadashada ee wadarta guud ee heshiiska. Sidaas awgeed, inta ugu badan waa 260 kun. Xoq. marka aad gadaneyso hanti ah ee ay lacagta, iyo marka aad amaahda ah - 786 700 rubles.

canshuurta Calculator jaro waayo mortgage

• Qiimaha guryaha - 1.7 million rubles. lacagta laga jaro: 1.7 x 0.13 = 221 kun masaxo.. (Kaliya jirka ah ee amaahda).
• Qiimaha guryaha - 4 million rubles. Caddadka gunnada aasaasiga ah: 2 x 0.13 = 260 kun rubles ..

The 200 kun oo rug haray.. ma ku xiran jaro. Xisaabinta qaadataa oo keliya lacagta ku bixisay on iibka ah ee guri dabaq ah. Tirada u keentay waxaa loo qaybiyaa dhexeeya dolevikami in ratio gaar ah. Haddii macaamil waxaa lagu fuliyaa mar (iibsashada iyo iibinta guri cusub jir), lacagta waxaa loo isticmaali karaa bixinta cashuurta dakhliga shakhsiga ka iibka hantida.

Yaa la siin karaa gunnada

jaro Tax ciidamada mortgage - waa soo celiyo canshuurta dakhliga. Sidaa darteed, magdhow laga heli karaa muwaadiniinta kaliya Ruush, hela dakhli rasmi ah oo ku bixin off uu heerka canshuurta dakhliga shakhsiga ah ee 13%. Isla sidaas u dhaqmaan non-degan in ay yihiin ugu yaraan 6 bilood oo isku xigta sanad ka shaqeeya dhulka ee Ruushka. Haddii hantida ka diiwaan gashan ilmo yar, waalidiinta ka heli kartaa jarista. Dadka hawlgabka ah kuwaas oo il dhaqaale ee cadadka 5534 rubles. / Month. (Marka laga reebo gargaarka), sidoo kale dalban kartaa magdhow ansixin. Haweenka ku jira fasaxa dhalmada, ka heli karaa lacag ka dib markii shaqada ku noqon. Haddii guriga waxaa hore soo iibsatay, dukumentiyada la si gooni gooni ah soo saari karaa dakhliga ka hor iyo ka dib fasaxa. Haddii sanadkan mushahar kuma filna si aad u hesho jarayo, lacagta ma baabi'i doontaa. Waxay si fudud u qaado in ka badan in muddo taariikheed ee soo socda. xaaladda Tani waxay badanaa ka dhacdaa dadka si rasmi ah helaan oo kaliya mushaharka ugu yar, iyo lacagta ka hartay - in baqshad. Waxaa jira xaalado iyo xataa meesha mortgage waxaa dhab bixisay iyo bixinta aan la duniyooyinka dakhli yaraan. Sida loo helo jarayo?

Ikhtiyaarka hore - in ay soo jeedin in ay canshuurta

Laga soo bilaabo January 1 ilaa April 30 muddo ka dib lacagta raasamaal meel ka mid ah deganaanshaha joogtada ah waa in ay soo gudbiso dokumentiyada soo socda:

• baasaboor (ogolaanshiyaha joogitaanka);
• noqon,
• shahaado ka shaqeeyaha 2-god,
• macluumaad ku saabsan koontada;
• INN;
• iibka iyo heshiiska iibka.

waraaqaha oo dhan gudbiyey in nuqulada asalka ah iyo shahaado. On-site codsigaaga jaro qoran. Documents dib loo eego 3 bilood gudahood. Marar dhif ah, canshuurta waxay keeni kartaa qofka si loo caddeeyo su'aalo ama macluumaad dheeraad ah. Haddii la ansixiyo muddo 30 maalmood ah ee xisaabta cayiman galo dhigay lacagta laga jaro. jirka amaah First bixinta maado ee, ka dibna dan. Laakiin in soo laabashada fiican muddada ugu horeysay ee labada tilmaamaya lacagta, ka dibna si shaqaalaha canshuurta aanu sara kicin su'aalo.

qaanuunka xadeynta on waraaqaha sida ay jirto sida no. Xataa haddii guriga lagu iibsaday shan sano ka hor, lacagta waxaa laga heli karaa dakhliga ururtay in muddada gelintu adigoo soo gudbinaya dhawaaqo horudhac ah. Haddii daynta uu soo saaray ee lacagaha qalaad, bixinta weli la bixin doonaa rubles heerka sarrifka ee Bangiga Dhexe ee, sida taariikhda lacag bixinta.

Canshuurta diidi kartaa si aad u hesho lacag haddii:

• hantida waxaa la helay magaca qofka shaqaalaha ah by lacag shaqeeyaha;
• qayb ka mid ah kharashka la bixiyo by yahay barnaamijka "qoyska Young", mortgage milatariga, caasimada dhalmada; kiiskan, jarista la soo saari karaa oo kaliya lacagta ay lacag u gaar ah,
• dhinacyada macaamil - Xisbiyada Related: carruurta, waalidiinta, farac, xaaska,
• ma bixiyo waraaqaha oo dhan.

Habka labaad - goobta shaqada

jaro canshuurta iibsashada guri dabaq ah waxa ay u diiwan non-bixinta cashuurta dakhliga shakhsiga ee mushaharka. Si aad u isticmaasho nidaamka this, waxaad u baahan tahay in aad gargaar u kormeer ah xaq u leeyihiin inay ka faa'iideystaan oo ay bixiyaan iyada u shaqayso waraaqaha sida aad u hesho:

• shahaadada diiwaangelinta lahaanshaha,
• heshiis la sameeyay macaamil ganacsi;
• codsiga magdhowga;
• rasiidka ee ay ku heleen lacag caddaan ah by iibiyaha.

Warqadahaasi waxay waxaa loo dirayaa shaqeeyaha mar 12 bilood kasta magdhow. Haddii qof uu isku badalay shaqooyin dhowr ah, ka dibna meesha cusub ee laga jaro waxaa la soo saari karaa oo keliya ka sannadka soo socda.

tusaale ahaan

In 2014, qofka iibsaday guri qiimihiisu 7 million rubles., Of oo 3 milyan oo rubles. Waxay ahaayeen bixisay by amaah uu soo saaray for 13 sano. dulsaarka Boondhiga - 1.5 million rubles. Dakhliga qofka isla muddadaas lacag 900 kun. Rubles.

jirka ah ee amaahda ka badan lacagta ugu badan oo laga jaro ee la samayn karaa. Sidaa darteed, sida xisaabiyaa by 2 million rubles. Inta ay magdhow ahaan doonaa:

2000 x 13% = 260 kun rubles - in credit ee jirka .;
1500 x 13% = 195 kun. Rug. - oo dulsaar leh.

Caddadka canshuurta laga joojiyey: 900 x 13% = 117 kun rubles ..

Caddadka canshuurta dakhliga shakhsiga bixiyo mushaharka sanadka gudihiisa, ma hoos jarayo. Sidaa darteed, in 2015, qofka heli doonaa 117 kun. In qaab magdhow. hadhay A (143 kun. xoq.) Waxaa wareejiyo xilliga soo socda.

deductibility ee dulsaarka amaahda ee qadarka 195 kun. xoq. waxaa loo isticmaali karaa 13 sano, in ay tahay, inta lagu jiro mudada amaah dhan. magdhow Tani waxaa la siiyaa ilaa xad ah ee lacagta dhabta ah ee guddiga bangiga. Sidaa darteed waxaa lagama maarmaan ah in la qaato xirmo dokumentiyo sanad kasta, oo ay ku jirto shahaadada, kaas oo la rinjiyeeyay sida dib loogu bixiyo deynta, iyo iyaga wareejiyo canshuurta. Tusaale ahaan Tani waa ku haboon in ay dhacdo lahaanshaha guri hal. Haddii dhowr milkiilayaasha ama haysta ka qayb qaadashada sinaanta, magdhow loo qoondeeyey mid kasta oo ka mid ah milkiilayaasha in saami gaar ah. Qodobada lacagta wareejiyay akoonka bangiga, ka dibna lacagta tagaa inuu bixiyo deynta amaah ah. Inay gacmahooda ma siin karaan. documents Payment waa in la sameeyaa bixinayo qofka diyaarinaya jarayo.

hoose ee

jaro Property ogolaanaya Russia si ay kabayso qayb ka mid ah kharashka amaahda. Lacagta ugu badan ee gunnada ahaa 786,7 kun. xoq. Laakiin lacagtan aan lacag on gacmaha. Waxay timaado xisaabtaada bangiga iyo isticmaalaa in lagu bixiyo daynta haray.